TellerScore

Windsor Federal Bank is a savings association headquartered in Windsor, Connecticut, in business for about 91 years. At the end of Q2 2026 it reported $895.4M in total assets and $730.2M in deposits, with 11 offices.

Based on its Q2 2026 filing, Windsor Federal Bank scores 53/100, which we describe as below average. That is higher than only 9% of 2,650 banks with $100 million – $1 billion. Among 27 banks headquartered in Connecticut, it ranks 23rd. Its strongest component is problem-loan coverage (84/100; 8.2%), and its lowest is earnings (28/100; 0.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.91%
Loan quality67/100
Noncurrent loans ÷ total loans: 0.99%
Earnings28/100
Return on assets (annualized): 0.20%
Funding & liquidity48/100
Loans ÷ deposits and uninsured-deposit share: 97.0% · 29.0% uninsured
Problem-loan coverage84/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.24%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (58 → 53), mostly because the earnings component weakened by 12 points.

TellerScore
535760Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202457
Q4 202457
Q1 202557
Q2 202558
Q3 202559
Q4 202559
Q1 202660
Q2 202653
Tier 1 leverage ratio
5.00%7.57%10.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.15%
Q3 202410.06%
Q4 20249.97%
Q1 20259.94%
Q2 20259.96%
Q3 202510.04%
Q4 202510.05%
Q1 202610.06%
Q2 20269.91%
Noncurrent loans
0.69%0.84%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.91%
Q3 20241.00%
Q4 20240.91%
Q1 20250.88%
Q2 20250.82%
Q3 20250.69%
Q4 20250.70%
Q1 20260.69%
Q2 20260.99%
Return on assets
0.20%0.45%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.50%
Q4 20240.48%
Q1 20250.42%
Q2 20250.51%
Q3 20250.48%
Q4 20250.54%
Q1 20260.71%
Q2 20260.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$895.4M9.91%0.99%0.20%97.0%
Q1 202660$882.1M10.06%0.69%0.71%94.9%
Q4 202559$874.8M10.05%0.70%0.54%96.9%
Q3 202559$853.3M10.04%0.69%0.48%92.8%
Q2 202558$840.6M9.96%0.82%0.51%90.0%
Q1 202557$848.5M9.94%0.88%0.42%86.9%
Q4 202457$824.3M9.97%0.91%0.48%88.5%
Q3 202457$803.3M10.06%1.00%0.50%88.8%
Q2 202459$796.3M10.15%0.91%0.51%86.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.91%
29th
Total risk-based capital0.00%
24th
Problem loans0.99%
28th
Net charge-offs0.79%
3rd
Return on assets0.20%
6th
Net interest margin3.67%
35th
Efficiency ratio74.3%
21st
Loans to deposits97.0%
14th
Uninsured deposits29.0%
32nd
Loan-loss reserves0.88%
16th
Texas ratio8.2%
23rd

Similar-size banks in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
DR BankBank Darien, CT79 out of 100, Strong$912.6M10.3%0.14%vs
Fieldpoint Private Bank & TrustBank Greenwich, CT34 out of 100, Low$867.1M6.6%1.93%vs
The First Bank of GreenwichBank Cos Cob, CT49 out of 100, Below average$812.3M9.3%1.30%vs
The Milford BankBank Milford, CT63 out of 100, Moderate$652.0M9.9%0.49%vs
Essex BankBank Essex, CT72 out of 100, Strong$536.6M12.9%1.27%vs
Connecticut Community Bank, National AssociationBank Norwalk, CT75 out of 100, Strong$526.0M13.1%0.02%vs

Deposit insurance

Is my money safe at Windsor Federal Bank?

Yes. Windsor Federal Bank is an FDIC-insured institution (FDIC certificate #29632). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.0% of deposits ($211.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.91%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Windsor Federal Bank lists 8 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Windsor Federal Bank
Former names
Windsor Federal Savings and Loan Association
Type
Savings association
FDIC certificate #
29632
RSSD ID
92676
Primary regulator
OCC
Holding company
Windsor Federal Mhc
Established
January 1, 1935
Headquarters
270 Broad St, Windsor, CT 06095
Employees
113

Quick answers

Windsor Federal Bank: common questions

Is Windsor Federal Bank FDIC insured?

Yes. Windsor Federal Bank is an FDIC-insured institution (FDIC certificate #29632). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Windsor Federal Bank's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Windsor Federal Bank ever failed?

There is no failure record for FDIC certificate #29632 in the FDIC failed bank list.

How many branches does Windsor Federal Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Windsor

InstitutionScoreAssetsCapitalProblem loansCompare
Stafford Savings BankBank Stafford Springs, CT95 out of 100, Very strong$507.0M50.6%0.56%vs
Greater Springfield Credit UnionCredit union Springfield, MA94 out of 100, Very strong$230.3M19.7%0.45%vs
MassMutual Private Wealth & Trust, FSBBank Springfield, MA93 out of 100, Very strong$93.7M32.2%0.00%vs
Ct Firefighters Federal Credit UnionCredit union Hartford, CT85 out of 100, Very strong$34.7M11.6%0.00%vs
The Torrington Savings BankBank Torrington, CT82 out of 100, Strong$1.0B19.0%0.14%vs
Kief Protective Mutual Benefit Ass. Credit UnionCredit union Bloomfield, CT80 out of 100, Strong$605K22.2%0.00%vs